Selfreliance Balto Credit Union

Selfreliance Balto Credit Union is headquartered in Baltimore and is the 62^nd largest credit union in the state of Maryland. It is also the 3,452^nd largest credit union in the nation. It was established in 1955 and as of December of 2011, it had grown to 5 employees and 1,473 members. Selfreliance Balto Credit Union has a 1-star health rating.

Data for Q4 2011

Institution Statistics SELFRELIANCE BALTO NCUA # 10511 BankRate Report View Year Chartered 1955 Employees 5 Primary Regulator Assets and Liabilities Assets $21.46 million Loans $19.51 million Deposits $19.54 million Equity Capital $1.29 million Loan Loss Allowance $684,000 Unbacked Noncurrent Loans $2.07 million Historic Data - December 2010 Assets $24.79 million Equity Capital $1.51 million Loan Loss Allowance $337,000 Unbacked Noncurrent Loans $377,000 Profit Margin - Quarterly Net Interest Margin 3.45% Return on Assets -1.03% Return on Equity -17.04% Interest Income $1.02 million Non-Interest Income $40,000

Institution Health Overall Score: 1 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Selfreliance Balto Credit Union had $2.07 million in non-current loans and owned real-estate with $1.98 million in equity and loan loss allowances on hand to cover it. This gives Selfreliance Balto Credit Union a Texas Ratio of 104.76% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Selfreliance Balto Credit Union increased slightly from 20.40% as of December 31, 2010 to 104.76% as of December 31, 2011, resulting in a negative change of 413.52%. This indicates that the balance sheet and financial strength for Selfreliance Balto Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Selfreliance Balto Credit Union has decreased its total deposits by -$1.49 million, resulting in -7.07% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Selfreliance Balto Credit Union has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Selfreliance Balto Credit Union has $21.46 million in assets with $1.98 million in equity, resulting in a capitalization level of 9.20%, which is average.

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